Kai-Zen is a strategy that helps clients maintain their current lifestyle in the event of a chronic illness, premature death, or an inability to sufficiently save for retirement. Protecting earnings is critical to insuring clients’ ability to save for retirement. Due to limitations, traditional retirement plans are typically insufficient for high-income earners. If your clients want to maintain their lifestyle in retirement, they need a proactive strategy that puts more money toward protecting their future income without putting a drain on their current finances.

Kai-Zen is the ONLY strategy that uses leverage to help clients acquire more of the benefits they need to financially protect them and their families. Its unique fusion of financing and indexed universal life insurance offers more protections and the potential to earn more for retirement than could be obtained without leverage.

All Kai-Zen Plans are issued with non-recourse premium financing which requires NO personal guarantees or lines of credit.  Participants are not required to go through loan underwriting or sign any loan documents.

Here are the non-recourse leveraged retirement plan programs currently available:

• Kai-Zen (Single life)
• Tri-Zen (15 or more lives)
• Enhanced Split Dollar (Executive benefits, less than 15 lives)